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Home Loans

We can't always say what makes a house feel like home. But we do know that it's the heart and soul of any family. 

PersonalLoansHome Loans
70%

Mortgage Loan

Relax and get excited about the new adventure ahead. Whether you’re picking out a new home or looking to refinance your existing mortgage, we’re here to help you out.

Interest
View Current Rates3
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Purchase, refinance your existing debt, make home improvements, or use for other needs

Fixed rate loans for predictable fixed monthly payments over a fixed term

Adjustable Rate Mortgage (ARM) is available if you want something for the short term with flexible payments 

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

Home Insurance

Keep your abode safe from fiery meteorites and evil doers.

TruStage4

We work with Liberty Mutual and Esurance to pick the best policy for you. Tell us a little about yourself and we’ll give you an instant quote online.

Get a Quote3

Members Home & Auto

With more carrier options, it’s easy to find a policy that’s made just for you. Let us know what you’re looking for & we’ll give you a call with your quote.

Get Started3

Looking for something a little less traditional?

We might be able to help with our other Mortgage Center products if a traditional mortgage isn't what you had in mind.

Federal Housing Administration (FHA) Mortgage

If you have a low down payment, less-than-perfect credit, or less than 20% equity in your home, this might be the home loan route for your home purchase or refinance.

Interest
View Current Rates3
Apply TodayMore Details

15- and 30-year fixed rate terms

Primary residence only

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

Cash-Out Refinance Loan

You could make the value of your home work for you if you have great credit.

Interest
View Current Rates3
Minimum Amount
$40,000
Apply TodayMore Details

10-, 15-, and 30-year fixed rate terms

Primary residence only

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

Family Helper Loan

Lend a hand so your family members can buy a home of their own.

Interest
View Current Rates3
Minimum Amount
$40,000
Apply TodayMore Details

10-, 15-, and 30-year fixed rate terms

Primary residence only with non-occupying
co-borrower

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

70%

Home Renovation Loan

Break out the tool belt and get ready to put your unique touch on your home. If you want to purchase or refinance a home that needs some updates, this option may be for you. You may be able to roll some of your renovation costs into your mortgage.

Interest
View Current Rates3
Minimum Amount
$40,000
Apply TodayMore Details

10-, 15-, and 30-year fixed rate terms

Primary residence only

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

One-Time Close Construction Loan

Build the perfect place and make interest-only payments until you move in.

Interest
View Current Rates3
Minimum Amount
$60,000
Apply TodayMore Details

10-, 15-, and 30-year fixed rate terms

Primary residence and second homes

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

90%

Student Debt Relief Loan

Your hard work in school shouldn't keep you from finding a place of your own.

Interest
View Current Rates3
Minimum Amount
$40,000
Apply TodayMore Details

10-, 15-, and 30-year fixed rate terms

Primary residence only

Learn more about available financing options3

Fill your brain with knowledge3 about the home-buying process, budgeting, and steps to take before you apply.

Fixed Home Equity Loan

It's time to relax and make your home work for you for a change.

Interest
As low as FixedHomeEquityLoan APR1
minimum AMOUNT
$10,000
Contact Me More Details

Predictable fixed monthly payments over a fixed term

Refinance your existing debt, make home improvements, or use for other needs

No application or origination fee

10-, 15-, or 20-year terms

One lump sum access to funds

Escrow is available for tax and insurance

No pre-payment penalty

Consult a tax advisor regarding your deductibility of interest

48%

Home Equity Line of Credit (HELOC)

It feels great to finally settle into your new place. But you might need to make a few finishing touches before it really feels like home.

Interest
As low as HELOC APR1, variable based on Prime2
Minimum amount
$10,000
Contact Me More Details

Access to your money when you want it

Funds become available again as you pay down the balance

No application or origination fee

5-year draw period (may be renewed upon re-evaluation)

Monthly payment only 2% of the outstanding principle balance ($100 minimum)

No pre-payment penalty

Consult a tax advisor regarding your deductibility of interest

NMLS Information

Our Regulatory Agency is: Department of Insurance and Financial Services. NMLS#695868
These cool kids are loan originators sponsored by Lake Trust Credit Union.

View all Lake Trust Credit Union NMLS Originators  

NMLS#1911805

Rebecca Warner

NMLS#922316

Tricia Eldred

NMLS#538026

Kathryn Greenwood

NMLS#1911811

Pieraangela (Pam) Concetta Clifford

NMLS#1708010

Aja Mikai Morgan

NMLS#1183399

Anna Marie Wilson

NMLS#1141866

Charlotte Jean Pegg

NMLS#1911804

Christian Sean Baker

NMLS#1911809

David James Bennett III

NMLS#728279

Eric Wesley Ozanich

NMLS#1225368

Kimberly B Spencer

NMLS#1838310

Tamatha Dew

NMLS#1670695

Kerry Bushre

NMLS#1841225

Mildred Huffman

NMLS#1839136

Shannon Delles

NMLS#1841103

Nickie Atwell

NMLS#1837794

Jill Shelton

NMLS#824442

Candice Towers

NMLS#1472053

Dayana Alfonso

NMLS#973698

Netia Brown

NMLS#1454215

Thomas Bishop

NMLS#1668923

James Carlson

NMLS#1430959

Collin Davy

NMLS#1508861

Heather Donohue

NMLS#1509492

Donnie Goerlitz

NMLS#1438471

Pamela Guernsey

NMLS#845530

Melinda Gurnicz

NMLS#577237

Shevalla Kramer

NMLS#1438483

Cathryn Latinen

NMLS#1141834

Angela Cooper

NMLS#249844

Melisa Miller

NMLS#1538325

Lisa Miller

NMLS#591213

Jamie Smith

NMLS#506337

Emily Spaniola

NMLS#514948

Suzanne Gierada

NMLS#1177916

Adam Watts

NMLS#1762203

Liberty McPike

NMLS#1761623

Michelle Price

NMLS#1761686

Cody Newton

NMLS#1761834

Shahnaz Agharahimi

NMLS#879798

Sylvia Pratt

NMLS#1762321

Francie Harnetz

NMLS#1218012

Lauren Ward

NMLS#1763334

Nicole (Niki) McHugh

NMLS#1762000

Hannah Holoway

NMLS#1762563

Becky Wood

 

1APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective UniversalEffectiveDate and subject to change. Federally insured by the NCUA.

2The HELOC annual percentage rate (APR) can change quarterly based on the value of an index. The maximum APR that can apply during the plan is 18% and the minimum APR that can apply during the plan is 4%.

3Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

4The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

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4605 S Old US Hwy 23, Brighton, MI 48114
888.267.7200
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Routing Number: 272078268
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